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Start small and stick with it

One of the best savings strategies is, simply, to start. The earlier you save, the more time your money has to potentially grow. This is the power of compounding - when your returns earn more returns and so on. Managing to save even a small contribution each month is a far better plan than borrowing all of what you'll need when the time comes.

This chart shows the potential growth of contributing different amounts monthly over time.

chart shows the potential growth

*Chart assumes a hypothetical 6% rate of return compounded monthly and monthly contributions made at the end of each month. This chart is for illustrative purposes and does not represent the return of any specific investment options. Investment returns in a college savings plan will vary and may be higher or lower than this example. This illustration does not include fees and any fees assessed by the investment offering could have an impact on returns.

Planning Ahead: Mom with Baby, Managing Education Savings Planning Ahead: Mom with Baby, Managing Education Savings

Easy to save

Saving for education
your way.

Your Indiana529 Direct Plan comes with powerful technology that makes it easy to contribute to your account and to stay on track toward your goals. You can easily make one-time contributions or set up recurring contributions.

Additionally, your Indiana529 Direct account offers benefits whether you're planning to save just a little, or a whole lot:

  • Low minimums. Make regular, recurring contributions of as little as $10.
  • High maximums. Contribute up to a total of $450,000 per beneficiary for accounts in all 529 plans sponsored by the State of Indiana.
Joyous Celebration: Family Gathering for Kid's Birthday


Invite family and friends to
be part of your savings journey.

Ugift® is an easy, free-to-use service that lets family and friends make the meaningful gift of money into your Indiana529 Direct account. Saving for education can take a village, and Ugift® makes it easy to get help from your network.

Thousands of families have used Ugift® to build their savings. Instead of giving toys, clothes, or other gifts that children outgrow, gift givers get the satisfaction of knowing their generosity can make a lasting impact.

Tip: READYSAVE™ 529 mobile app users can text their Ugift® code to friends and family right from the app!

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Boost your education savings with Upromise®

Upromise® is a free service that helps families save for education. Upromise® provides unique opportunities for members to earn cash back for everyday activities such as shopping, dining, paying and more. Rewards are automatically deposited as contributions to your Indiana529 Direct account when you reach $50 in rewards.1

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1Upromise® is an optional program offered by Upromise®, LLC, is separate from Indiana529 Direct Savings Plan, and is not affiliated with the State of Indiana. Terms and conditions apply to the Upromise® program. Participating companies, contribution levels, and terms and conditions are subject to change at any time without notice. Transfers from Upromise® to an Indiana529 Direct account are subject to a $50 minimum and do not count towards the Indiana state tax credit.

Bonding Moment: Mom Creating Beautiful Braids for Daughter


There when you need it.

No matter what your child chooses for the future, Indiana529 Direct makes it easy to make a withdrawal quickly and securely to use for a variety of qualified expenses.